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See site below for more details. This is from the NY DMV website below:
How Would Driving Without Insurance Affect My Driver License?
A. Your driver license and vehicle registration will be revoked for at least one year if the DMV receives information that you were involved in a traffic crash while driving a motor vehicle not covered by liability insurance. Your license and registration will also be revoked for at least one year if someone else driving your uninsured vehicle is involved in a traffic crash and is convicted of operating without insurance.
The traffic court fine could be as much as $1,500 for driving without insurance or allowing someone else to drive your uninsured vehicle. You will have to pay the DMV an additional civil penalty of $750 to get your license back after revocation.
What If I Don`t Follow These Steps?
A. Do not drive any vehicle that is not insured. You could be arrested or ticketed, and your vehicle impounded, by a law enforcement officer. If you do not follow these steps, your vehicle registration will be suspended. You must turn in your vehicle`s license plates to the DMV. The registration suspension will last for the same number of days that your vehicle was without liability coverage and the plates had not been turned in.
If the registration suspension period becomes more than 90 days, your driver license will also be suspended. The license suspension will be in effect until it is reinstated after the end of the registration suspension. To reinstate your driver license, you must pay the DMV a $25 license suspension termination fee. For a suspension that has an effective date on or after July 6, 2009, the termination fee is $50.

In such case you require comprehensive coverage in addition to your regular policy on the basis of which you can claim for your damages but yes insurance rates does go up but you have to handle them somehow.An insurance appraiser will come and evaluate the damages caused to your car and will decide what would be the cost to repair your car. The repair cost or replacement cost is compared to the actual cash value of your vehicle. Replacement cost is actually the amount that would be required to replace or repair your vehicle. Actual cash value is the value of the vehicle just before it is damaged. For more info you can visit : http://www.assureinsure.com/articles-auto-insurance-claims-11.aspx.

It is illegal by law to drive a car without insurance and if you hit a car an do not have an insurance, the responsibility of the collision will be on you and you will have to pay for their damage. If you do not do so, your vehicle will be seized and you will get yourself into serious trouble. If you are asked for a payment, try to make it as soon as possible otherwise the insurance rate will keep going higher and you will have to pay way more then you initially needed to pay.

Many companies have different policies to insurance rate go up if your car crashed or accident. For example, say you insure two cars at a premium of $300 each and the insurer`s base rate is $400. After an accident, you may get a surcharge of $80 (20 percent of $400) on both, so your total surcharge would be $160 — an increase of about 27 percent on the policy.

If you crash two months, your insurance will go up few hundered dollars, however, this amount of going up is dependaent because, there are many factors that determine the insurance cost at the begging and these factors will estimate the amount of going up according to the insurance vision, you can call your insurance company to get more details.

Mainly the only thing that can be worse and happens if you crash without insurance that you have to bear all the damage expenses from your pocket as your vehicle would not be insured and insurance company will not take any responsibility for that crashed vehicle .

After an accident my insurance went up 3x what it was. My dad would not pay the high premiums so I had to get a job to pay the extra. When I was 21 the rates went back to normal (well closer to normal).

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